next generation money - chicagochicagopaymentssymposium.org/wp-content/uploads/2017/10/...astropay...

1 PLATFORM / API

20 EMERGING MARKETS

2B EMERGING CONSUMERS

200 PAYMENT METHODS

450 MERCHANTS

2

ABOUT DLOCAL

360 payment technology for emerging markets – pay-ins, payouts

and cash collection

Diverse team of 100+ people

Offices in Uruguay (HQ), US, Brazil, UK, and Israel

Market coverage:

EU e-money license

LATAM: Argentina, Bolivia, Brazil, Chile, Colombia, Mexico, Peru,

Paraguay, Uruguay

APAC: China, India

EMEA: Turkey, Czech Republic, Estonia, Hungary, Latvia,

Lithuania, Poland, Slovakia, Slovenia

SOME OF OUR CUSTOMERS

5

1 API | 200+ payment methods | 20 emerging markets | 2 B consumers

Local transactions

Process payments domestically,

ensuring the highest acceptance rate

Cross-border settlement

Expatriate funds to EU or US at

no cost

Simple market entry

Eliminate local market

complexities with dLocal as your

emerging markets expert and

local merchant of record

Enterprise-grade solution

Reliably accept and send payments with our

trusted, PCI DSS compliant platform and

clever fraud detection tools

OUR VALUE PROPOSITION

Source: Tecnocom, emarketer, AMPICI, OMT, CNC, Comscore

CONSUMER PAYMENT PREFERENCES IN LATAM

6

LOCAL

CREDIT &

DEBIT

CARDS

52%

CASH

28%

INTERNATIONAL

CREDIT CARDS

15% BANK TRANSFERS

5%

E-commerce Payment Mix (2016)

International

credit card 48%

Domestic credit card

9%

Debit card 2%

Cash payments

21%

Bank transfers

17%

Other 3%

International

credit card 48%


2%

Debit card 23%

Cash payment methods

19%

Bank transfer

3%

Other 5%

Brazil Mexico Colombia

International credit card

20%


51%

Debit card 2%

Cash payments

via Boleto 21%

Bank transfers

4%

Other 2%

Source: AMPICI, AMI, dLocal

E-commerce Payment Mix (2016)

Argentina Chile Peru

International

credit card 21%


56%

Debit card 1%

Cash payments

18%

Bank transfers

1%

Other 3%

International credit card

30%


25%

Debit card, via WebPay

28%

Cash payments

7%

Bank transfers

8% Other

2%

International

credit card 47%


9%

Debit card 6%

Cash payments

21%

Bank transfers

6%

Cash on delivery

9%

Other 2%

Source: AMPICI, AMI, dLocal

PAYMENT WITHOUT

CREDIT CARDS

Brazil: Boleto is king

• #1 cash payment method

• 50M Boletos/month

• 30% of all Boleto online

transactions come from mobile

Mexico: a craze for cash

• Unbanked population over 60%

• Banked population still uses cash

• Withdrawals from ATMs as soon as

salaries are paid, leaving minimum

amount in bank

2/19/2017 AstroPay

https://www.astropaycard.com/Boleto/boleto_bb.php 1/2

Corte na linha pontilhada

Recibo do Sacado

0019 00190.00009 02860.239017 05663.792173 7 70790000005489

Cedente Agência / Código do Cedente Espécie Quantidade Nosso númeroAstropay Brasil Ltda Rua Heitor Stockler de França, 396 sala 1809 Centro Civico,Curitiba PR

30414 / 001246003 R$ 28602390105663792

Número do documento Contrato CPF/CEI/CNPJ Vencimento Valor documento105663792 16.883.876/000163 19/02/2017 54,89

() Desconto / Abatimento () Outras deduções (+) Mora / Multa (+) Outros acréscimos (=) Valor cobrado

SacadoUnit Streamline CPF/CNPJ : 01676626948

Autenticação

mecânica


0019 00190.00009 02860.239017 05663.792173 7 70790000005489

Local de pagamento VencimentoQUALQUER BANCO ATÉ O VENCIMENTO 19/02/2017

Cedente Agência/Código cedente

Data do documento No. documento Espécie doc. Aceite Data process. Nosso número19/02/2017 105663792 DS N 19/02/2017 28602390105663792

Uso do banco Carteira Espécie Quantidade x Valor (=) Valor documento 17 027 R$ 54,89

Instruções (Texto de responsabilidade do cedente) * SR. CAIXA, NAO ACEITAR PAGAMENTO EM CHEQUE. ESTE BOLETO SO PODERA SER PAGO EM DINHEIRO. RECEBER ATE 4 DIAS APOS O VENCIMENTO.

() Desconto / Abatimento

() Outras deduções

(+) Mora / Multa

(+) Outros Acréscimos

(=) Valor cobrado

SacadoUnit Streamline CPF/CNPJ : 01676626948 Rua Heitor Stockler de França, 396 sala 1809 Centro Civico CEP : 80530000 Curitiba PR

Sacador/Avalista Cód. baixaAutenticação mecânica Ficha de Compensação


INSTALLMENTS WITH CREDIT CARDS

Installments are a must in Latin America

Colombia: 69% of people use installments

Brazil: 54% of online and 80% of offline retail sales are sold

with installments

Argentina: 70% of supermarkets purchases in are done in 3+

or more installments

MX, AR, UY: 40-50% use installments for online purchases

Offered by acquirers at checkout

Examples of items purchased: clothes, appliances,

groceries, restaurant meals, travel, phones

dLocal’s merchants

have increased their

average ticket amount

by 30-40% by offering

installments

30-40% average ticket amount

OFFER ALL LOCALLY-

RELEVANT PAYMENT METHODS

TO WIN IN EMERGING MARKETS

PAYMENTS CHALLENGES THAT GLOBAL MERCHANTS FACE IN EMERGING MARKETS

Multiple currencies, tax and income

expatriation laws, many local acquirers,

numerous local payment methods, etc.

Operating in multiple countries is

complex.

How can I maximize my reach while

providing the same seamless

payment experience that my US

customers love?

I’ve launched my XYZ

service with in-app

payments and

international processing.

My conversions are 30%.

Why are they so low?

Payment + settlement can take

48-96 hours, but my business

model is built on real-time

transactions.

Why can’t I bill

recurring payments

to local cards?

Why can’t I pay my local

contractors / drivers / sellers

through e-wallets?

13 13

Download LATAM Payments Guide:

https://dlocal_latamguide.pagedemo.co/

Danielle Gotkis | [email protected]

next generation money - chicagochicagopaymentssymposium.org/wp-content/uploads/2017/10/...astropay...

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